Which card has a lower forex fee: BOBCARD Eterna Credit Card or BOBCARD Tiara Credit Card?

Both cards have the same forex markup (2%).

Which card has a lower annual fee: BOBCARD Eterna Credit Card or BOBCARD Tiara Credit Card?

Both cards have the same annual fee (₹2,499 annual fee).

Which card offers better lounge access?

BOBCARD Eterna Credit Card: Unlimited domestic lounge access. BOBCARD Tiara Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

BOBCARD Eterna vs BOBCARD Tiara Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the BOBCARD Eterna and the BOBCARD Tiara. Verify fees, lounge access, forex markup, and base rewards before you apply.

Eterna

Tiara

The short answer

Verdict

No decisive winner on the core dimensions — the head-to-head below shows where the small differences are.

Head-to-head

Three core metrics

Annual fee

Eterna ₹2,499 Waivable at ₹2,50,000 spend

Tiara ₹2,499 Waivable at ₹2,50,000 spend
Forex markup

Eterna 2%

Tiara 2%
Domestic lounge

Eterna Unlimited Conditional · Domestic: Unlimited · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Tiara Unlimited Conditional · Domestic: Unlimited · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Reward earning explained

Per card

Eterna

3 pts / ₹100 · 15 points/₹100 on eligible dining, international, online, shopping, and travel

Strong data

Tiara

3 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (BOBCARD Eterna: ₹2,499 vs BOBCARD Tiara: ₹2,499), forex markup (2% vs 2%), or lounge access (Unlimited vs Unlimited).

Travel Tie

Both cards are similar for travel

Forex markup is 2%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: BOBCARD Eterna conservative base value ~0.75% per ₹100. BOBCARD Tiara is not safely INR-comparable (no usable point value).

Eterna: Strong data Tiara: Limited data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

BOBCARD Eterna: ~₹380/month at base rate
BOBCARD Tiara: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Eterna BOBCARD	Tiara BOBCARD
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats	Unlimited	Unlimited
Forex / International Use
Forex markup	2%	2%
Fees
Recurring annual fee	₹2,499	₹2,499
Annual-fee waiver	₹2,50,000	₹2,50,000
Monthly interest rate	3.75% / month	3.75% / month
Fuel benefit	Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap	Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap
Rewards
Points per ₹100	3 pts / ₹100	3 pts / ₹100
Conservative base value ~0.8% vs Not safely INR-comparable	~0.8%	Not safely INR-comparable
Earn ceiling 5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel vs Not stated	5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel	Not stated
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for BOBCARD Eterna	₹0.25	Not specified

Notes

BOBCARD Eterna Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
BOBCARD Tiara Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

BOBCARD Eterna

BOBCARD Tiara